Residential Masonry
Coverage built for masons doing chimney repair, patios, retaining walls, and brick veneer work in homes. Simple, fast, and built for how you actually work.
A retaining wall, a chimney, a set of porch steps — the work looks solid the day you finish it. Masonry's real liability exposure often shows up later: a wall that settles unevenly after a hard freeze-thaw winter, mortar joints that fail two years into a chimney rebuild, a patio that cracks and heaves once the ground beneath it shifts. When that happens, the claim lands on you regardless of how much time has passed, which is exactly what completed operations coverage in your general liability policy is built to handle.
The foundation of residential mason coverage. Covers third-party bodily injury and property damage related to your work — a section of wall collapses during demo and damages a fence, a client trips over staged brick pallets, or debris from a chimney rebuild damages the roof below it.
Your mortar mixer, saws, scaffolding, and hand tools go from job to job. Standard property insurance only covers items at a fixed location — inland marine (tools and equipment) coverage follows your gear wherever it goes, including your truck and job sites.
This is included in your general liability policy and covers claims that arise after a job is finished — a homeowner notices a crack developing in a wall you built last season, or a chimney you repointed starts leaking the following winter. Masonry's structural nature means this coverage matters more here than in a lot of other residential trades.
Many property management companies and HOAs now require proof of general liability before approving a mason to work on their properties, especially for anything touching a shared structure like a retaining wall or a multi-unit building's exterior. Typical requirements include a certificate of insurance showing at least $1M per occurrence, with the property manager or HOA named as an additional insured.
Once you bind coverage with us, your COI is issued instantly and you can send it to any client or property manager right away.
Most solo residential masons pay between $500 and $1,000 per year for general liability. Adding tools and equipment coverage brings the total to $750–$1,600 depending on your equipment and scaffolding value. Masons with employees, or those doing structural work like foundations, pay more based on payroll and height exposure.
Get your free quote
Our licensed agents build your custom quote — typically same business day.
FAQ
This is exactly what completed operations coverage under your GL policy is for. Masonry problems often surface well after the job's done — a homeowner doesn't have to notice a defect right away for a claim to eventually reach you. Keeping continuous annual coverage matters here since a gap in coverage could leave an old job unprotected.
Those are separate issues from liability insurance. GL covers claims the homeowner makes against you — not disputes about payment or damage to your gear by the homeowner. Tools coverage protects your equipment.
Yes — we can issue certificates naming specific homeowners, HOAs, or property managers as additional insured. This is common for rental property work and shared-wall or common-area masonry in HOA-managed communities.
If you're being paid for masonry work, you're operating a business in the eyes of an insurance carrier — and you're exposed to claims. Coverage is typically affordable enough that it's worth having even for occasional paid work.
Same-day coverage is typically available. Fill out the quote form today and our agents will get you a quote quickly. Once you bind, your COI is issued instantly.
Licensed agents build your custom quote — typically same business day. Review, enroll, and get your COI instantly.